Best Black Mouth Cur Pet Insurance of 2022

Lisa Scott

We all want the best for our dogs such as high-quality foods, plenty of toys, and exceptional healthcare. To ensure you can give your Black Mouth Cur the right healthcare every time they need it, be sure to invest in the best pet insurance for them. We’ve looked at the top choices for coverage, discounts, reimbursements, and overall quality.

Customizable plan to fit your pet's needs

$10,000

Coverage Up To

70% - 90%

Reimbursement Rates

Overview

ASPCA® Pet Health Insurance program offers coverage on accidents, illnesses, and optional preventive care (at an additional cost) at affordable monthly premiums. It has a robust customer service center that will guide you through your pet insurance needs and help your pet receive great care during emergencies. The provider also offers a wide range of reimbursement options, deductibles, and annual limits to help you customize your policy to suit your financial needs.

What we like

  • Customizable plans to fit your pet's needs and financial situation
  • Prescription medication coverage for covered conditions
  • Optional wellness plan (at an additional cost)
  • Fast and simple filing of claims
  • Vet finder feature to help you to locate a licensed vet clinic within your area

What we don't

  • Does not cover pre-existing conditions
  • 14 day waiting period

Disclosure provided by the ASPCA Pet Health Insurance program: Pre-existing conditions are not covered. Waiting periods, annual deductible, co-insurance, benefit limits and exclusions may apply. For all terms and conditions visit www.aspcapetinsurance.com/terms. Complete Coverage℠ reimbursements are based on the invoice. Preventive and Wellness Care reimbursements are based on a schedule. Products, schedules, discounts, and rates may vary and are subject to change. More information available at checkout. The ASPCA® is not an insurer and is not engaged in the business of insurance. Products are underwritten by United States Fire Insurance Company (NAIC #21113. Morristown, NJ), produced and administered by C&F Insurance Agency, Inc. (NPN # 3974227). Through a licensing agreement, the ASPCA receives a royalty fee that is in exchange for use of the ASPCA’s marks and is not a charitable contribution. C&F and Crum & Forster are registered trademarks of United States Fire Insurance Company. Crum & Forster Pet Insurance Group™ is a trademark of United States Fire Insurance Company. The Crum & Forster group of companies is rated A (Excellent) by AM Best Company 2020.

Extensive coverage to help keep your pet healthy

$20,000

Coverage Up To

90%

Reimbursement Rates

Overview

Pumpkin offers high-quality pet insurance plans for cats and dogs as well as an optional non-insurance preventive care plan for vaccinations, key tests and wellness exams, which will help to keep your pet happy and healthy through their life. You can travel with your pet in Canada or the US and can get access from any licensed vet in these countries. The platform is entirely digitized and serves as a one-stop-shop for all your pet's healthcare needs.

Pumpkin will cover up to $20,000 for dogs and $15,000 for cats annually.

What we like

  • Extensive coverage on multiple health issues
  • Optional preventive care plan that reimburses in full for annual wellness exams and vaccines
  • No exclusion on breeds or older pets
  • Offers a Fur Family Discount on multiple pets
  • Healthcare coverage in Canada and the US

What we don't

  • Pre-existing health conditions not covered
  • Pumpkin only covers dogs and cats

Pumpkin Advertiser Disclosure: Pumpkin Pet Insurance policies do not cover pre-existing conditions. Waiting periods, annual deductible, co-insurance, benefit limits and exclusions may apply. For full terms, visit pumpkin.care/insurancepolicy. Products, discounts, and rates may vary and are subject to change. Pumpkin Insurance Services Inc. (“Pumpkin”) (NPN #19084749) is a licensed insurance agency, not an insurer. Insurance is underwritten by United States Fire Insurance Company, a Crum & Forster Company (NAIC #21113, Morristown, NJ) and produced by Pumpkin. Pumpkin Preventive Essentials is not an insurance policy. It is offered as an optional add-on non-insurance benefit. Pumpkin is responsible for the product and administration. Pumpkin Preventive Essentials is not available in all states. For full terms, visit pumpkin.care/customeragreement. Paid Endorsement.

Affordable prices with a fast reimbursement process

$100,000

Coverage Up To

70% - 90%

Reimbursement Rates

Overview

Lemonade has earned a stellar reputation in the pet insurance industry with its affordable monthly premiums and fast reimbursement of claims with its AI technology. This technology has attracted thousands with its customizable policies and provides comprehensive coverage on illness and accidents to dogs and cats.

What we like

  • Customizable plans so you only pay for coverage that your pet needs
  • Claims are reimbursed in minutes
  • Affordable monthly premiums starting at $10/month
  • Comprehensive wellness plans to keep your pet in good health
  • Pay deductible once per year and not per incident

What we don't

  • Lemonade is only available in 33 states
  • Certain hybrid breeds may be denied

Community cost sharing model and unused contributions roll over

$8,500

Coverage Up To

80%

Reimbursement Rates

Overview

Eusoh is able to provide an affordable pet health plan because of its community-based health sharing plan. Pet parents directly fund each other's vet expenses, which helps everyone save.

What we like

  • Affordable, all-in-one pet health plan
  • Unused contributions roll over to the next month
  • Community cost sharing model
  • Save and help others save
  • See your own veterinarian

What we don't

  • Upfront costs for medical expenses
  • Only long term subscription option available

Pre-existing conditions and 6 pets covered for $24/m

$3,000

Coverage Up To

100%

Reimbursement Rates

Overview

Pawp offers pet owners an emergency fund up to but not exceeding $3,000 annually. The platform is different from other traditional pet insurance agencies as it does not require you to provide a medical examination report before enrolling your pet. Whether your pet is healthy or has been diagnosed with a pre-existing condition, you can still enroll it and access the emergency fund when the need arises.

With no deductibles and low monthly premiums as low as $24, the digital platform will protect your furry friend during an incident and save money from large vet expenses. Although the agency does not provide any limitations on age, it is best to insure your pet while still young and be prepared in advance when an emergency occurs.

What we like

  • Monthly premiums as low as $24
  • Allows coverage on 6 pets for $24 a month
  • Allows enrollment of pets with pre-existing conditions
  • 24/7 unlimited access to Pawp’s virtual vet doctors

What we don't

  • Coverage is restricted to healthcare emergencies only
  • Does not offer wellness coverage
  • Emergency funds can be accessed only once per year

Is pet insurance worth it for a Black Mouth Cur?

Like most mixed breed dogs, Black Mouth Curs are considered healthy dogs overall. However, many people assume that just because their dog is a mixed breed mutt, they are unlikely to develop serious health conditions until they are very old.

While the Black Mouth Cur is not as susceptible to genetic issues as other dogs, they can still develop medical conditions or experience serious injuries at any time throughout their life. To keep your dog as healthy as possible, you want to ensure they get the proper care and veterinary treatment when required. Providing medical care to your dog can also become quite costly, especially if it requires more frequent veterinary care. 

To avoid financial risk and be able to provide medical care to your pet as needed, you will want to invest in pet insurance. This way, you can ensure your dog’s well-being and help them get medical treatment as soon as possible.

Common health conditions for a Black Mouth Cur

The following are some health issues your Black Mouth Cur may experience. The most common include:

  • Hip dysplasia: when your dog’s hip joints rub together improperly, it can lead to hip dysplasia. This condition can make it difficult for your dog to walk, and often requires surgery to treat. 
  • Epilepsy: dogs with epilepsy experience somewhat frequent seizures that can be life threatening in severe cases. To help treat this condition, veterinarians will typically prescribe medication to reduce the possibilty or severity of seizures.
  • Allergies: many Black Mouth Curs are prone to developing allergies and allergy related issues. If your dog has allergies, they may develop skin rashes that can be uncomfortable and lead to other issues.

Additionally, Black Mouth Curs are susceptible to injuries when they are outside exercising or playing. Sometimes, they tear a ligament or in severe cases, even break a bone.

What does pet insurance cover for a Black Mouth Cur?

Pet insurance covers a range of issues that Black Mouth Curs can experience throughout their life. Depending on the type of plan you have for your dog, different medical procedures and treatments will be covered. Some of the most common medical treatments covered under pet insurance include:

  • Surgery and hospitalization: should your Black Mouth Cur get injured or ill and require hospitalization or surgery, they will likely be covered under an insurance policy.
  • Medication: many health issues a Black Mouth Cur can experience will often require medication to treat. The costs associated will be covered by insurance.
  • Diagnostic tests: to help diagnose any injury or illness, your dog is likely to have to undergo certain diagnostic tests. Pet insurance will cover the costs associated with these tests.

The specific procedures and treatments covered by pet insurance will largely depend on the type of plan you have. Most pet insurance providers offer injury-only, illness-only, or a combination of injury and illness coverage. While these plans cover a range of treatments, they often will not cover wellness and routine care. For this type of coverage, you may need to add wellness and routine care to your plan or sign up for a separate wellness plan altogether.

How are pet insurance premiums determined for a Black Mouth Cur?

Insurance premiums are based on a number of factors relative to your dog’s personal history and the details of your insurance plan. Some of the most prominent influences on your insurance premium include:

  • Age: your dog’s age will factor into your overall insurance premium cost. Typically, older dogs will have a higher overall premium as compared to younger dogs. This is due to the fact that they are more likely to experience health issues.
  • Gender: male dogs are likely to have a higher premium than female dogs. It is more common for male dogs to be susceptible to serious illnesses or injuries compared to female dogs.
  • Location: where you are located will factor into how much your insurance premium costs. If you live in an area that has less available veterinary services, you can expect to have a higher monthly premium.

Additionally, pet insurance premiums are also affected by your unique plan details. Often, the more comprehensive your coverage is, the higher you will pay monthly. Plans that cover a combination of injury and illness procedures will cost more than ones that only cover illness-only or injury-only.

How to choose the best pet insurance plan for a Black Mouth Cur

With tons of insurance plans to choose from, it can be tough to narrow it down to the best one. To help you make the most suitable choice for your dog, consider the following:

  • Medical history: depending on your dog’s unique medical history, some plans may be more advantageous than others. Be sure to choose a plan that will cover the necessary medical treatments for your dog.
  • Plan specifics: review the plan details including overall reimbursement amount, coverage capacity, and the yearly deductible. These details factor into what you can expect from your insurance policy on a yearly basis.
  • Customer reviews: read what current customers have had to say about the insurance plan before moving forward. This will give you an idea of what to expect from your insurance provider and how claims are handled.